--- title: Mortgages and Lending News | mortgage loans description: mortgage loans | With 30 years + of Hard Money Lending experience, Jim Emerson, a Private Mortgage Investor, has turned AMI Lenders into one of the largest privately-owned Mortgage Investors Corporation --- English | [Español](https://www.amilenders.com/prestamistas-rapidos-dinero-privado-houston) Call Us: [713-682-4400](tel:713-682-4400) [![Associated_Mortgage_Investors_logo.jpg](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/Horizontal_Logo_New.png?width=180&height=64&name=Horizontal_Logo_New.png "Associated_Mortgage_Investors_logo.jpg")](https://www.amilenders.com) # Mortgage & Commercial Lending News. #### Houston's premier blog for all things related to Commercial and Residential [Hard Money Loans](https://www.amilenders.com/specialty-hard-money-loans). ![AMI_Lenders_Txt_Only.png](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/AMI_Lenders_Txt_Only.png?width=194&name=AMI_Lenders_Txt_Only.png "AMI_Lenders_Txt_Only.png") ## [Make sure You Understand your Finances when Applying for a Private Mortgage Loan.](https://www.amilenders.com/blog-ami/make-sure-you-understand-your-finances-when-applying-for-a-private-mortgage-loan) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 27, 2022 12:00:00 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/your-personal-finances.jpg) ](https://www.amilenders.com/blog-ami/make-sure-you-understand-your-finances-when-applying-for-a-private-mortgage-loan) At [**AMI Lenders**](https://www.amilenders.com/), we believe 2022 is still a good time, especially for first-time buyers, to get a mortgage and purchase a lovely house for you and your family. Interest rates are still attractive compared to previous decades, and house price increases have slowed since the recent pandemic. Finally, buying a house with a fixed-rate mortgage is still a good hedge against inflation's effects. [Read More](https://www.amilenders.com/blog-ami/make-sure-you-understand-your-finances-when-applying-for-a-private-mortgage-loan) Topics: [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [houston](https://www.amilenders.com/blog-ami/topic/houston), [loans](https://www.amilenders.com/blog-ami/topic/loans), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [mortgage](https://www.amilenders.com/blog-ami/topic/mortgage) ## [Exploring the dilemma between renting or owning a house](https://www.amilenders.com/blog-ami/exploring-the-dilemma-between-renting-or-owning-a-house) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Aug 30, 2022 10:49:13 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Renting%20vs.%20Buying.jpg) ](https://www.amilenders.com/blog-ami/exploring-the-dilemma-between-renting-or-owning-a-house) Many of our clients tell us during their mortgage application process that they spent significant time being uncertain about ─sometimes even agonizing over what would be the right decision: owning or renting. Since **we are in the business of helping our clients own a house** at AMI Lenders, we thought it might be helpful to put down in black and white what we know to be relevant factors to ponder while navigating this rent vs. own decision process. [Read More](https://www.amilenders.com/blog-ami/exploring-the-dilemma-between-renting-or-owning-a-house) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [houston](https://www.amilenders.com/blog-ami/topic/houston), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [Seek the advice of either a real estate attorney or a real estate broker when negotiating any type of mortgage loan.](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan-1) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 2, 2020 3:39:25 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/image001.jpg) ](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan-1) Sadly, **this is the mother of all mistakes made by people trying to save a few hundred dollars** when they are dealing with a [commercial](https://www.amilenders.com/commercial-hard-money-lenders) or [residential hard money loan](https://www.amilenders.com/residential-hard-money-loans). As a [hard-money lender](https://www.amilenders.com/), I’ve seen genuinely heart-breaking tragedies. [Read More](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan-1) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [mortgage process](https://www.amilenders.com/blog-ami/topic/mortgage-process), [real estate](https://www.amilenders.com/blog-ami/topic/real-estate) ## [What Is the Difference Between a Non-Qualified Mortgage and a Qualified Mortgage Loan](https://www.amilenders.com/blog-ami/what-is-the-difference-between-a-non-qualified-mortgage-and-a-qualified-mortgage-loan) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Oct 1, 2020 12:26:19 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/image001.jpg) ](https://www.amilenders.com/blog-ami/what-is-the-difference-between-a-non-qualified-mortgage-and-a-qualified-mortgage-loan) When looking for [**hard money loans in Houston**](https://www.amilenders.com/blog-ami/ami-hard-money-loans), you'll realize that lending falls into two main categories: [non-qualified mortgage](https://www.amilenders.com/specialty-hard-money-loans) and qualified mortgage loan. Although these loans provide lenders with much-need financial assistance, they're also different. Understanding the two types of loans is paramount when taking a mortgage. Continue reading for more information on how to select a loan that suits you.   [Read More](https://www.amilenders.com/blog-ami/what-is-the-difference-between-a-non-qualified-mortgage-and-a-qualified-mortgage-loan) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [non-qualified mortgage](https://www.amilenders.com/blog-ami/topic/non-qualified-mortgage), [qualified mortgage loan](https://www.amilenders.com/blog-ami/topic/qualified-mortgage-loan) ## [Banks vs. Private Money Lenders for ITIN Mortgage Loans](https://www.amilenders.com/blog-ami/banks-vs-private-money-lenders-for-itin-mortgage-loans) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 15, 2020 3:19:18 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/image-png-2.png) ](https://www.amilenders.com/blog-ami/banks-vs-private-money-lenders-for-itin-mortgage-loans) Since the program began in 1996, the IRS has issued nearly** 24 million ITIN numbers.** These numbers are issued for tax purposes to **immigrants** who are not yet eligible to obtain a social security number or citizens of **foreign nations who want to purchase property in the U.S.** They also allow undocumented immigrants to open bank accounts, take out credit cards, and even buy a home. However, **finding a lender willing to fund ITIN mortgage loans can be a little tricky.** [Read More](https://www.amilenders.com/blog-ami/banks-vs-private-money-lenders-for-itin-mortgage-loans) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender), [ITIN loans](https://www.amilenders.com/blog-ami/topic/itin-loans), [private money lenders in houston](https://www.amilenders.com/blog-ami/topic/private-money-lenders-in-houston), [ITIN mortgage loans](https://www.amilenders.com/blog-ami/topic/itin-mortgage-loans) ## [Can You Get a Mortgage Loan if You Only Have an ITIN Number?](https://www.amilenders.com/blog-ami/can-you-get-mortgage-loan-if-only-have-itin-number) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 1, 2020 3:22:03 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/image-png.png) ](https://www.amilenders.com/blog-ami/can-you-get-mortgage-loan-if-only-have-itin-number) [Read More](https://www.amilenders.com/blog-ami/can-you-get-mortgage-loan-if-only-have-itin-number) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender), [ITIN loans](https://www.amilenders.com/blog-ami/topic/itin-loans), [private money lenders in houston](https://www.amilenders.com/blog-ami/topic/private-money-lenders-in-houston) ## [High Cost VS Higher Priced Mortgages](https://www.amilenders.com/blog-ami/high-cost-vs-higher-priced) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 10, 2020 5:15:55 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Stock%20images/close%20up%20of%20houses%20cut%20out%20of%20paper%20on%20white%20background.jpeg) ](https://www.amilenders.com/blog-ami/high-cost-vs-higher-priced)   In 2010, and in response to the financial crisis that we now know as the Great Recession, President Obama signed the [Dodd-Frank Wall Street Reform](https://www.amilenders.com/blog-ami/the-dodd-frank-act-and-new-regulations-are-changing-the-mortgage-lending-industry) and [Consumer Protection Act](https://www.history.com/topics/21st-century/dodd-frank-act) into law. The law places strict regulations on lenders and banks in an effort to protect consumers and prevent another all-out economic recession. It was this act that outlined a set of rules around higher priced vs. high cost mortgage rates. [Read More](https://www.amilenders.com/blog-ami/high-cost-vs-higher-priced) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [dodd frank](https://www.amilenders.com/blog-ami/topic/dodd-frank), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender) ## [Debt-To-Income Rule is a Blessing for Lenders as Well as Borrowers.](https://www.amilenders.com/blog-ami/debt-to-income-rule-is-a-blessing-for-lenders-as-well-as-borrowers) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Feb 18, 2020 5:30:06 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/ami%20blog-dti%20rule.png) ](https://www.amilenders.com/blog-ami/debt-to-income-rule-is-a-blessing-for-lenders-as-well-as-borrowers) While buying a house, **choosing a private lender** over a full-fledged financial institute for a **mortgage loan** is a great option. One of the many benefits of doing so is that **private lenders approve loans much quicker than other financial institutions**, such as banks. Best of all, the majority of **hard money lenders** do not look into a borrower's credit history. Private lending is a flexible process that makes it easier for almost everyone to own a home or invest in real estate. [Read More](https://www.amilenders.com/blog-ami/debt-to-income-rule-is-a-blessing-for-lenders-as-well-as-borrowers) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors), [Debt-to-Income Rule](https://www.amilenders.com/blog-ami/topic/debt-to-income-rule), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender) ## [The Importance of Making timely Mortgage Payments is Critical.](https://www.amilenders.com/blog-ami/the-importance-of-making-timely-mortgage-payments-is-critical) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Feb 7, 2020 6:00:43 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/AMI-Lenders-importance-making-timely-mortgage.jpg) ](https://www.amilenders.com/blog-ami/the-importance-of-making-timely-mortgage-payments-is-critical) It takes hard work to save enough money and build your credit to buy your home. As a [homeowner](https://www.amilenders.com/blog-ami/ami-lenders-houstons-hard-money-lenders-can-help-millennials-become-homeowners), you will need to make your mortgage payments in full and on time every month. Let’s face it, you made a financial commitment to your lender/ finance institution to pay on time and in full each month. [Read More](https://www.amilenders.com/blog-ami/the-importance-of-making-timely-mortgage-payments-is-critical) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [homeowners](https://www.amilenders.com/blog-ami/topic/homeowners) ## [Get advice from a real estate attorney or broker to avoid costly mortgage loan mistakes.](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Dec 13, 2019 9:37:25 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/real-estate-broker-hard-money-lender.png) ](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan) Sadly, this is the mother of all mistakes made by people trying to save a few hundred dollars when they are dealing with a [commercial](https://www.amilenders.com/commercial-hard-money-lenders) or [residential hard money loan](https://www.amilenders.com/residential-hard-money-loans). As a [hard-money lender](https://www.amilenders.com/), I’ve seen genuinely heart-breaking tragedies. [Read More](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors), [real estate](https://www.amilenders.com/blog-ami/topic/real-estate) [All posts](https://www.amilenders.com/blog-ami/all) [Next](https://www.amilenders.com/blog-ami/topic/mortgage-loans/page/2) [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fmortgage-loans%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fmortgage-loans%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fmortgage-loans%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fmortgage-loans%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20mortgage%20loans) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fmortgage-loans%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fmortgage-loans%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Demail) ## Our Hard Money Blog AMI Lenders' Commercial Lending blog contains helpful information to help you understand the intricacies of Commercial Hard Money Lending practices in Texas.  [![Apply Today!](https://no-cache.hubspot.com/cta/default/352755/742551d4-8c56-438e-8546-c53ef6b5db1e.png)](https://cta-redirect.hubspot.com/cta/redirect/352755/742551d4-8c56-438e-8546-c53ef6b5db1e) ### Recent Posts ### Subscribe to Email Updates ### Posts by Topic - 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